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Insurance

Membership of Cycling Ireland provides the following Insurance cover.

1: Public Liability (“Third Party”)

Covers you for any third party liability or property damage for which you are held legally liable. (a third party is a person not accredited with membership of Cycling Ireland) when you are training, competing or officiating in an approved Cycling Ireland activity. (a €500 excess applies to each claim, to be paid by claimant). There is no cover in respect of any Injury or Damage suffered by one participant caused by another participant during training activities.

There is an indemnity limit of €13.0 million per incident.

2: Personal Accident

This cover again applies to when you are training, competing or officiating in an approved activities of Cycling Ireland. Medical expenses are covered to a maximum of €2,500 each claim which includes dental expenses up to €2,000. Excess of €100 applies to medical and dental claims. There is also an inner limit of €250 for physiotherapy expenses. Loss of earnings is covered for a maximum of €150 per week for a maximum of 52 weeks with the first week not being covered.

3: Professional Indemnity

Indemnifies registered members (coaches, committee members) in respect of advice given for which they are negligent and leads to a financial loss. There is an indemnity limit of €7.5 million per incident.

4: Letters of Indemnity

Event organisers can apply to have a venue or facility that they are hiring indemnified against any claims made against it. Effectively this means that the venue is covered by Cycling Ireland insurance for the time period stated on the indemnity letter. There is a fee of €60 for this letter. Indemnity request forms, as well as all other event insurance documents are available here

5. Non Members

Non-Cycling Ireland members wishing to take part in a Cycling Ireland event may be able to take out an event licence (one day licence) for this event. You should contact the event organiser to see if they will be offering event licences. In order to be covered under Cycling Ireland insurance you will need to sign the event licence form which event organisers of applicable events will have on the day.


Further information and copies of underlying insurance policies are available
here

Cycling Ireland membership does not cover any damage / theft of bicycles.

Reporting Incidents 

Complete the insurance report form here or download a copy of the report form and submit it through the Contact Us section of our website.

It is not necessary than an accident victim reports the incident themselves, in some cases where injuries are severe the victim may not be in a position to complete the claim form. In such cases it is perfectly acceptable that an official from the event, promoting club or family member complete the report form.

Claim Process

Cycling Ireland will pass the claim to its insurance brokers O'Driscoll O'Neil

O'Driscoll O'Neil will liaise directly with the relevant member where there is a claim for medical expenses etc.

In the event of a serious injury a liability assessor may be appointed. It is important that all details regarding the witnesses, photographs, risk management details are retained by the race/event organiser.

As and from 1st January 2017, there is an excess of €500 on any claim payable by the member. Thus if your claim is settled for example €1,500, our insurance company will pay €1,000 and the claimant will have to pay the balance.

 

 

 

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